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Free tool · UK · 2026/27

Income Tax Calculator

Work out your income tax, National Insurance and take-home pay for 2026/27 — whether you're self-employed or on a salary. Enter your figure to see a full breakdown.

£

Your taxable profit after allowable business expenses.

Enter your profit to see your tax, NI and take-home.

Covers England, Wales & Northern Ireland for 2026/27. Scotland has different income tax bands. Estimate only — excludes student loans, pension relief, dividends, and other income.

How UK income tax works

Income tax is banded: you only pay each rate on the portion of income that falls within that band. Everyone gets a tax-free personal allowance of £12,570. Income above that is taxed at 20% up to £50,270, then 40% up to £125,140, then 45% beyond. National Insurance is separate and adds to the total — the self-employed pay Class 4, employees pay Class 1.

A quirk catches higher earners: once you pass £100,000, your personal allowance is withdrawn at £1 for every £2 over the limit, vanishing at £125,140. That creates an effective 60% rate on that slice of income — which is why pension contributions are popular around that level.

2026/27 rates (England, Wales & NI)

Personal allowance
Up to £12,570
0%
Basic rate
£12,571 – £50,270
20%
Higher rate
£50,271 – £125,140
40%
Additional rate
Over £125,140
45%
Class 4 NI (self-employed)
£12,570 – £50,270 / above
6% / 2%
Class 1 NI (employees)
£12,570 – £50,270 / above
8% / 2%

Scotland sets its own income tax bands and rates on non-savings income — this calculator covers England, Wales and Northern Ireland.

Common questions

What are the 2026/27 income tax rates?

A £12,570 personal allowance (0%), then 20% to £50,270, 40% to £125,140, and 45% above. Unchanged from 2025/26.

What NI do the self-employed pay?

Class 4 at 6% on profits from £12,570 to £50,270, and 2% above £50,270. Class 2 is largely abolished.

What is the £100k tax trap?

Above £100,000, your personal allowance drops £1 for every £2 earned, gone by £125,140 — an effective 60% rate on that band.

Does this cover Scotland?

No — Scotland has its own bands and rates. This tool uses England, Wales and Northern Ireland rates.

Make Self Assessment effortless

AdminShield keeps your income and expenses organised all year, tracks your Self Assessment and payment-on-account deadlines, and reminds you in good time — built for UK sole traders, landlords and their accountants.

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This calculator gives an estimate based on published 2026/27 rates for England, Wales and Northern Ireland. It excludes student loan repayments, pension tax relief, dividend income, Scottish rates and other adjustments. It is not tax advice — confirm your position with HMRC or a qualified accountant.